JP2003150812A - Dealing mediation service providing method and system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a dealing mediation service providing method and a system capable of mediating a business connection reflecting a detailed dealing condition quickly and precisely and having high credibility, and proposing a financial commodity in accordance with the dealing state. SOLUTION: In this method, following procedures are executed; an information acquisition procedure s702 for accepting condition information and desire level information from a purchase terminal or the like, and registering them in a database, an analysis processing procedure s706 for executing matching processing between a purchase applicant and an offer applicant relative to commodity attribute and indispensable condition information based on the condition information and the desire level information, and executing conclusion possibility determination processing by collating the degree of consistency of the order of priority of the desire level information or of weighting of the order of priority between the purchase applicant and the offer applicant and determining the possibility of dealing conclusion between both applicants by the degree of consistency, and a candidate list transmission procedure s707 for generating a business connection candidate list by listing correlatively the resunt of the conclusion possibility determination processing relative to the purchase applicant or the like having the same commodity desired to be dealed and agreeing indispensable condition information, and transmitting the list to the purchase terminal or the like of the purchase applicant included in the list.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a credit institution such as a financial institution, which is between a purchaser and a purchaser of a product or the like who trades goods and services with each other and holds credit information of both parties. A method of providing an intermediary service through a network.

[0002]

BACKGROUND OF THE INVENTION With the rise of the Internet, various electronic shops and platforms for performing business transactions between companies have been operated on the Internet, and electronic business transactions have recently been actively conducted regardless of individuals or companies. In electronic commerce on these networks, with those who wish to purchase goods and services,
On the other hand, there is a person who wants to provide the relevant product or the like. However, even if those who want to purchase and those who want to provide (mostly electronic stores) are flooded with various kinds of needs on the network, for example, even if a "place" such as an electronic mall is established, both needs are grasped. It wasn't easy to tie them together and close deals.

Therefore, a method for mediating between purchase applicants and offer applicants has been proposed, and for example, it is possible to meet the demand of each purchase applicant according to conditions such as product category and price from a plurality of offer applicants. There is a method of extracting a person who seems to be. Such a method aims at enabling efficient transactions by intervening an intermediary between parties involved in electronic commerce.

[0004]

However, the technical idea based on the conventional method is not so far out of the technique of operating the electronic mall and notifying the mall members of the registered electronic stores collected there through the search service. For example, if the electronic commerce that is mediated is a business-to-business transaction, it is often the case that the creditworthiness and financial condition of the trading partner are confirmed and the contract is concluded, but the trading partners are only There is no choice but to put a judgment base for intermediary processing only on the declared company information, and even if such credit information is verified, the cost and labor are not negligible, such as conducting a credit check separately.

Further, the trading partners themselves are limited to those who know the existence of an electronic mall or BtoB site and are registered, and business opportunities are limited, and even trading partners are limited. No means for simply verifying transaction quality, financial conditions, etc. was provided. In addition, not only simple transaction conditions such as desired product name and the number of products, but also detailed conditions that added financial conditions and financial conditions to the transaction conditions could not be found.

That is, it has been difficult for both purchasers and providers of goods / services to find the optimal trading partner simply and quickly to verify the transaction details with reliability. Of course, the fear of conducting a transaction without knowing the other party, which is not optimal in terms of transaction conditions, transaction quality, or financial conditions, could not be wiped out.

Therefore, the present invention has been made in view of such a conventional problem, and mediates a high-credit trading partner that promptly and accurately reflects detailed trading conditions, and at the same time, a financial product tailored to the trading situation. It is an object of the present invention to provide a method and system for providing a transaction intermediary service that enables the above-mentioned proposal.

[0008]

[Means for Solving the Problems] A method of providing a transaction intermediary service according to the present invention that achieves the above object is located between a purchaser and a purchaser of goods or the like that trade goods and services with each other, and credit information of both parties. A method for providing an intermediary service for a credit institution such as a financial institution that holds a transaction, in which the server uses the purchase terminal of the purchase applicant and the provision terminal of the applicant to provide the attribute condition of the transaction desired product. Information and condition information including transaction condition information such as desired price and transaction refusal party and credit condition information such as financial condition desired by the transaction partner, and the indispensability or priority of each condition that constitutes this condition information or this The information acquisition procedure for receiving the request level information including the priority weighting information and registering the information in the database, the acquired condition information and the request level information. Based on the rule information, matching processing between purchase applicants and offer applicants regarding product attributes and indispensable condition information is performed, and the priority in priority request information regarding purchase applicants and offer applicants or this priority An analysis processing procedure for performing a feasibility determination process that determines the possibility that a transaction will be established between them by comparing the degree of weighting of the ranks and the possibility that a transaction will be established between them. With respect to purchase applicants or offer applicants who have the same merchandise and indispensable condition information, the result of the feasibility determination process is associated and listed to generate a supplier candidate list. And a candidate list transmission procedure for transmitting to a purchase terminal of a purchase candidate or a provision terminal of a provision candidate included in a supplier candidate list. To.

[0009]

BEST MODE FOR CARRYING OUT THE INVENTION Embodiments of the present invention will be described in detail below with reference to the drawings. FIG. 1 is a schematic diagram including a transaction intermediary service providing system 10. As a background of this embodiment, it is assumed that a financial institution operates an inter-company transaction site, and the present invention is applied to and mediates electronic commerce that occurs between its own customers at this site. Of course, the scope of application of the present invention is not limited to this embodiment, and the present invention can be applied to any situation in which a credit agency holding credit information uses the credit information to mediate electronic commerce. It goes without saying that is possible.

The system 10 provided in the financial institution is a server here. The server 10 is connected to a communication line such as the Internet and the purchasing terminal 20 or the providing terminal 30.
A communication device 11 that enables data communication with The communication device 11 and a control device 12 for controlling auxiliary devices such as a storage device and an input / output interface are provided. In order to realize the transaction intermediary service providing method of the present invention, it is necessary to acquire and manage various types of information regarding purchase applicants and offer applicants. Therefore, server 1
0 has a database 15, and forms a purchase applicant database 16, a offer applicant database 17, a financial institution internal database 18, and a transaction result database 19.

[0011] On the other hand, the purchase applicant is, for example, a company that wants to purchase goods using an inter-company transaction site provided by the financial institution on the network, and can connect to the network to use the site. Purchase terminal 20
Equipped with. Similarly, the offer applicant is a company that wants to sell products on the inter-company transaction site, and is provided with a network-connectable providing terminal 30 to use the site. In a situation where only product purchase or product sale is performed, the two have a fixed relationship, but of course, there is no problem even if the purchase applicant and the offer applicant are switched appropriately.

Here, the data structure of the database 15 provided in the server 10 will be examined. 2 is an explanatory view showing an example of the data structure in the purchase applicant database,
FIG. 3 is an explanatory diagram showing an example of the data structure in the offer applicant database, FIG. 4 is an explanatory diagram showing an example of the data structure regarding the purchase applicant registered in the financial institution internal database, and FIG. 5 is registered in the financial institution internal database. Explanatory drawing which shows the example of a data structure regarding an offer applicant, FIG.
FIG. 4 is an explanatory diagram showing a data structure example in a transaction result database. In order to realize the transaction intermediary service providing method of the present invention, first, from purchase applicants and offer applicants, attribute condition information of transaction desired products and transaction condition information such as desired price and transaction refusal partner and transaction partner are desired. Accepting condition information including credit condition information such as financial conditions, and demand level information including information on the essentiality or priority or weighting of the priority for each condition constituting this condition information, and the information is received. Is registered in the database 15.

The purchase-requester database 16 is a database in which the purchase-requester information acquired from the purchase-requester or stored in advance by the financial institution is registered for each purchase-requester. As shown in the data structure example 200 in FIG. 2, attribute information of the product such as the product name and model number desired to be purchased, the desired purchase price (eg, ¥ 4750 to ¥ 5000) and the company name of the purchaser at the top. Can be given), preferential price (eg, lowest price ¥ 4750 yen), purchase quantity (eg: 7)
It may have a width of 50 to 1000 pieces, priority number of pieces (eg maximum number of 1000 pieces), delivery date (eg: 20 pieces)
0104 / 01-2001 / 07/31), priority delivery (eg, fastest delivery date 2001/04/01), purchase method (eg installment payment, twice a year), quality condition of product and factory that manufactures it (Example: ISO9000 has been acquired), social credibility of the delivery company as an applicant (example: presence / absence of stock listing), business refusal company (customer who cannot purchase), cash flow of purchase applicant (purchasing to the financial institution) Account balance of applicant, future income plan, planned expenditure), market forecast (exchange rate movements, long-term short-term interest rates, etc.), mandatory transaction items (eg purchase price and number of purchases), purchase priority (Example:
1st place is delivery date, 2nd place is quality condition, 3rd place is delivery record, 4
Rank is quality performance, 5th is financial rating, weighting of purchase priority (eg 1st is 10 points, 2nd is 8 points, 3rd is 6 points, 4th is 4 points, 5th is 2 points) ), Information on items such as whether or not company name disclosure is possible is registered.

On the other hand, the provision requester database 17 is the registration of the provision requester information acquired from the provision requesters or held in advance by the financial institution for each provision requester.
FIG. 3 shows an example of the data structure 300. Basically, the registered data is the purchase applicant database 1
It is similar to that in 6. The position just changed from purchasing to offering (selling).

On the other hand, the credit information and financial information that the financial institution has accumulated about each purchaser and offerer is registered in the financial institution internal database 18. FIG. 4 shows an example data structure 400 regarding a purchaser, and FIG. 5 shows an example data structure 500 regarding an offerer. With the company name as the key, the payment record and delivery record (Example:
Or 1 week delay), financial information (eg B / S, P /
L,), rating (eg: by rating agency, AA
A), market forecast information, etc. are stored. In addition, regarding the applicant, provision of information on the quality record of the products handled is also registered. This helps the defective product rate of the products handled by the applicant.

When a transaction is established in the transaction intermediary service providing method of the present invention, the result is stored in the transaction result database 19. An example of the data structure 600 is shown in FIG. Here, the purchasing company (purchasing applicant) and the selling company (providing applicant) who dodged the transaction are enumerated, and information such as the sales amount, the number of sales, the sales contract, etc. are associated therewith. Of course, it is preferable that these pieces of information are reflected in the purchase applicant database 16, the offer applicant database 17, and the financial institution internal database 18 and are synchronized with each other.

The above databases 16, 17 and
18 and 19 may be provided in separate storage devices and function as individual databases that are network-connected, or may be combined appropriately or may be provided collectively in one storage device. The purchasing terminal 20 and the providing terminal 30 are not limited to general personal computers, but may be devices having any network-connectable computer chip, such as a network-connectable mobile phone, PDA, game machine, fax machine, and digital TV. .

In addition, not only the Internet but also various networks such as an ATM line, a personal computer communication line, a LAN, and a wireless network can be adopted as a network connecting the server 10, the purchase terminal 20, and the providing terminal 30.

FIG. 7 is a flow chart showing the actual procedure of the transaction intermediary service providing method in this embodiment. Hereinafter, an actual procedure of the transaction intermediary service providing method of the present invention will be described. A financial institution that provides a transaction intermediary service according to the present invention manages and operates the server 10 and accepts access from the purchasing terminal 20 and the providing terminal 30. At the time of this access, the server 10 transmits the top screen of the transaction intermediary service. A purchase applicant who wants to purchase a certain product performs a log-in operation on the top screen, and then performs a page jump operation to an information input screen in order to convey the purchase request. The information input screen 800 shown in FIG. 8 is returned from the server 10 which received it.

On this screen 800, it is possible to input information regarding each item described in the data structure example 200 in the purchase applicant database 16. As a screen configuration, a company name column 801 in which the company name of the purchase applicant can be input in a selectable manner, and an attribute condition information column 802 in which attribute information such as the product name or model number of the product desired to be purchased is input form a header. is doing. Following that, a purchase condition column 803 for inputting transaction condition information and credit condition information
Is provided. Since the input items here are of course the same as the items registered in the purchase applicant database 16 and are linked, the description of listing the items is omitted.

A characteristic of the condition input mode is that the range designation column 804 accepts a condition specification over a predetermined range regarding the desired purchase price, the number of products, and the delivery date, and moreover, the area to be prioritized in the predetermined range is the large / small priority column 805. It is a point that can be specified with. Of the ranges designated in the range designation field 804, for example, by designating "low" in terms of price, it goes without saying that the lower the purchase price is, the better the purchase price is. Is specified. Then, the delivery date can be expressed as “quick” to express an early delivery request.

Regarding transaction condition information and credit condition information,
It is possible to specify the necessity of each condition, the priority order among the conditions, and the weighting thereof in the request level information column 806. In the figure, as an essential item when conducting a transaction, a partner who has achieved quality conditions such as ISO9000 and JIS standards (a person who wishes to provide) is a partly listed company, and the quality record is within the past three times. That is, the rating is AA or higher, and the purchase price and the number of items are listed.

[0023] As a result, only the trading partner having good product quality conditions, transaction quality, and financial condition is mediated, that is, it is possible to reliably find a trustworthy applicant. In the past, the credit information of a company or the like had to be obtained separately by requesting a credit research company or the like, and each purchaser (or offerer) had to independently consider this. In the present invention, since the financial institution that holds such credit information regarding the purchase applicant or the offer applicant as the credit information of the customer in the financial institution internal database 18 in advance performs the intermediary service, the service user It is possible to promptly propose a trading partner who satisfies the credit condition without burdening the purchase applicant or the offer applicant with any trouble and cost. In other words, when executing the matching process (or the feasibility determination process) related to the credit condition information, the credit condition desired by the purchase applicant or the offer applicant to the trading partner and the corresponding purchase request that is highly reliable and held by the financial institution. Contrast with credit information about a person or an applicant.

Regarding conditions other than those specified in the required items, for example, a priority order may be specified such that the delivery date condition has priority over the purchase method condition, and the weight of the priority order is 1st place: 10 points, 2 Rank: You can also specify 8 points. This leads to not only simple ranking but also to arbitrarily determine the degree of importance between rankings and finely narrow down trading partners.

In addition to the information input screen 800, the server 1
The cash management information regarding the purchase applicant who has logged in to 0 is presented. With respect to the account opened by the purchaser at the financial institution that provides the transaction intermediary service, the cash balance thereof is shown in a balance column 807, and the balance transition of the account is shown in a balance transition column 808. As a result, it is possible to clearly recognize what kind of cash flow situation oneself is currently in and engage in the transaction. In addition, there is also a market prediction column 809, which shows exchange rate and interest rate information. On the other hand, the information input screen 8 described above
The information input screen 900 in the form of being replaced by the offer applicant side regarding the same content as 00 is presented on the offer terminal 30 of the offer applicant. The screen 900 in FIG.
The same elements as those in FIG. 8 are denoted by the same reference numerals.

The information input screen 800 or the information input screen 900 entered for each of the above items by the purchaser or the offerer is returned to the server 10 as an input completed form. The server 10 receives this and receives the condition information including the attribute condition information, the transaction condition information, and the credit condition information, and the request level information (s).
701). The received condition information and the desire level information are registered in the purchase applicant database 16 or the offer applicant database 17 according to the purchase applicant or the offer applicant who transmitted the information (s702).

If at least one pair of purchase-requesting data and trade-requesting data regarding the purchase-requesting person and the offer-requesting person are registered in the purchase-requesting person database 16 and the offer-requesting person database 17, both of them are subjected to matching processing with regard to the possibility of trade. Can be. Therefore, the server 10 performs a matching process between the purchase applicant and the offer applicant regarding the product attribute and the essential condition information based on the acquired condition information and request level information (s703). If it is determined that there is a matching result (s704), it is found that a person who has the same merchandise to be traded and the essential condition information matches is registered in the database for the time being. If there is no matching result, the process ends.

The server 10 collates the priority in the request level information or the degree of coincidence of the weighting of the priority with respect to the matched purchase applicant and supply applicant () s705), and a transaction is established between them. The possibility of performing is determined based on this degree of coincidence (s706). To give a specific example, under the situation where the purchase applicant side places the priority on the delivery date as 1st place and weights it to 10 points, the offer applicant side similarly sets the delivery date on the 1st priority order. However, if the weighting is 6 points, the weighted average value of both is (10 + 6)
/ 2 = 8 points. Considering this average value as the degree of agreement, 10 to 7 have a high probability of establishing a trade, 6 to 4 have medium probability, and 3 to
If 1 is determined to be small, it can be determined that the transaction establishment probability is high. However, although the average value is high, the requester's side is not so particular about the delivery date, so it is preferable to adopt a judgment such as lowering the one-rank judgment to “medium”.

The server 10 which has judged the possibility of establishing a transaction is
Generate a supplier candidate list by associating and listing the judgment results of the possibility of establishing a transaction for purchase applicants or offer applicants who have the same desired product for transaction and whose essential condition information matches Yes (s707). Therefore, the server 10 transmits to the purchase terminal 20 of the corresponding purchase applicant or the provision terminal 30 of the offer applicant as shown in FIG.
And the information output screens 100 and 110 shown in FIG. On this screen 100, the information input screen 80 for the condition information and the desire level information derived from the purchase applicant or the offer applicant is displayed.
In addition to being output in the same manner as 0 and 900, the supplier candidate lists 101 and 111 are of course displayed. Here, as an example, the possibility of establishing a transaction is classified into large, medium, and small, and the company names of the corresponding trading partners are listed in descending order of possibility. If a partner wishing to make a transaction is found there, the selection boxes 102 and 112 are checked and a reply is sent to the server 10 to request a transaction intermediary (s708). If the desired person is not in the list and the purchaser or offerer desires to change the conditions, the condition change is accepted and the matching process is performed again.
703 is performed.

In the server 10 that has received the request for transaction intermediation,
The financial content and transaction form of the purchaser or offerer is referred to in the database 15 (s709), and accordingly, a financial product matching the financial demand that would occur in the transaction is extracted from the database 15 and simulated. Yes (s710). The server 10 notifies the corresponding purchasing terminal 20 or providing terminal 30 to propose a financial product in accordance with the result of the simulation (s7).
11). Notification screen 12 sent to the purchasing terminal 20 at that time
0 and the notification screen 130 sent to the providing terminal 30 are shown in FIG.
2 and FIG. 13. These screens 120, 1
Those who wish to purchase or provide those who have browsed 30 are useful financial product information 121 regarding the financing necessary for the transaction.
Can be obtained.

As a result of the above process, it is possible to find a trading partner that meets the desired conditions, and at the same time obtain the necessary recognition of the financial product. If the above is established by the mediation processing by the server 10 (s712), the settlement amount is moved from the account balances of both parties according to the wishes of the purchase applicant and the offer applicant, and the settlement processing is performed. Further, along with this settlement, the financial product proposed in advance as described above is sold to the purchase applicants (s713). When the series of transactions are completed, the server 10 displays the transaction completion notification screen 140 as shown in FIG. 14 on the corresponding purchase terminal 20 or provision terminal 30.
To (s714). On the other hand, when the transaction is unsuccessful, the transaction failure notification screen 15 as shown in FIG.
0 is sent to the corresponding purchasing terminal 20 or providing terminal 30. The data included in the notification screens 140 and 150 is registered in the transaction result database 19 (s715), and the process ends.

The embodiment of the present invention may be as follows in order to achieve the above object. In the method of providing a transaction intermediary service, when executing a matching process or a feasibility determination process regarding credit condition information, the credit conditions desired by the purchase applicant or the offer applicant to the trading partner and the corresponding purchase requests held by the credit institution. This should be contrasted with the credit information about the person or the person who wishes to provide the information.

In the method of providing transaction intermediary service, a financial product that matches the financial demand generated in the transaction is extracted from the database according to the financial content and transaction form of the purchase applicant or the offer applicant, and this is applied. Notify the purchase terminal of the purchase applicant or the provision terminal of the offer applicant.

Furthermore, in the transaction intermediary service providing method, when accepting the condition information from the purchasing terminal or the providing terminal, accepting a condition specification extending over a predetermined range,
In the subsequent matching processing, the matching processing is performed by checking the degree of overlap in this predetermined range.

A system for providing an intermediary service between a person who wants to purchase a product or the like who wants to trade a product / service with each other and a person who wants to provide the same, and a credit institution such as a financial institution that holds credit information of the both deals with the transaction. In addition, from the purchaser terminal provided to the purchase applicant and the purchaser terminal provided to the offer applicant, transaction condition information such as attribute condition information of a desired product for sale and desired price, and credit condition such as financial condition desired by a counterparty Information for accepting condition information including information and request level information including information on the essentiality or priority or weighting of the priority for each condition constituting this condition information, and registering these information in a database Based on the acquisition device and the acquired condition information and request level information, those who wish to purchase and offer information regarding product attributes and essential condition information It performs the matching process with the,
A possibility determination process that determines the possibility that a transaction will be established between the two by collating the degree of priority or the degree of coincidence of the weighting of this priority in the request level information regarding the purchase applicant and the offer applicant. An analysis processing device for performing
With respect to purchase applicants or offer applicants who have the same merchandise item desired to be traded and have matching essential condition information, which is found by the matching process, list the results of the feasibility determination process in association with each other. And a candidate list transmitting device for transmitting to the purchase terminal of the purchase candidate or the providing terminal of the offer candidate included in this supplier candidate list. We will make a system.

Furthermore, a program for providing an intermediary service between a person who wants to purchase and a person who wants to provide a product or the like that trades goods and services with each other, and a credit institution such as a financial institution that holds credit information of the both provides a transaction. However, from the purchase terminal provided to the purchase applicant and the provision terminal provided to the offer applicant, the transaction condition information such as the attribute condition information of the desired product to be traded, the desired price and the trade refusal partner, and the financial condition desired by the trade partner, etc. Accepts condition information including credit condition information, and requirement level information including information on the essentiality or priority or weighting of this priority for each condition constituting this condition information, and registers these information in a database Purchasing request regarding product attributes and essential condition information based on the information acquisition procedure to be performed and the acquired condition information and request level information There is a possibility that a transaction will be established between the two by matching the priority in the aspiration level information regarding the purchase applicant and the offer applicant, or the degree of coincidence of the weighting of this priority, while performing the matching process between The analysis processing procedure for performing the feasibility determination process that determines the matching degree and the purchase requester or the offer request that the product desired to be traded that is found by the matching process is the same and the essential condition information matches For a person, a supplier candidate list is generated by associating and listing up the results of the feasibility determination process, and a purchase terminal of a purchase candidate or a provision terminal of a supply candidate included in this supplier candidate list. And a candidate list transmitting procedure for transmitting the candidate list to a transaction intermediary service providing program.

Further, a computer-readable recording medium recording the transaction intermediary service providing program is formed.

[0038]

According to the present invention, a transaction intermediary service is provided if an intermediary of a highly reliable trading partner that promptly and accurately reflects detailed transaction conditions and also possible to propose a financial product according to the transaction status. A method and system can be provided.

[Brief description of drawings]

FIG. 1 is a schematic diagram including a transaction intermediary service providing system.

FIG. 2 is an explanatory diagram showing an example of a data structure in a purchase applicant database.

FIG. 3 is an explanatory diagram showing an example of a data structure in a provider database.

FIG. 4 is an explanatory diagram showing an example of a data structure regarding a purchase applicant registered in a financial institution internal database.

FIG. 5 is an explanatory diagram showing an example of a data structure regarding an applicant for provision, which is registered in a financial institution internal database.

FIG. 6 is an explanatory diagram showing a data structure example in a transaction result database.

FIG. 7 is a flowchart showing an actual procedure of the transaction intermediary service providing method in the present embodiment.

FIG. 8 is an explanatory diagram showing an example of an information input screen provided to a purchase terminal.

FIG. 9 is an explanatory diagram showing an example of an information input screen provided to a providing terminal.

FIG. 10 is an explanatory diagram showing an example of an information output screen provided to a purchase terminal.

FIG. 11 is an explanatory diagram showing an example of an information output screen provided to a providing terminal.

FIG. 12 is an explanatory diagram showing an example of a purchase condition output screen provided to a purchase terminal.

FIG. 13 is an explanatory diagram showing an example of a provision condition output screen provided to a provision terminal.

FIG. 14 is an explanatory diagram showing an example of a transaction contract notification screen when a transaction is established.

FIG. 15 is an explanatory diagram showing an example of a transaction contract notification screen when a transaction is unsuccessful.

[Explanation of symbols]

s702 Information acquisition procedure s706 analysis procedure s707 Candidate list transmission procedure

   ─────────────────────────────────────────────────── ─── Continued front page    (72) Inventor Toshiyuki Yamaguchi             890 Kashimada, Sachi-ku, Kawasaki City, Kanagawa Stock             Hitachi, Ltd. Business Solutions             Within the department (72) Inventor Seiji Niki             890 Kashimada, Sachi-ku, Kawasaki City, Kanagawa Stock             Hitachi, Ltd. Business Solutions             Within the department (72) Inventor Takeshi Yokota             7-1-1, Omika-cho, Hitachi-shi, Ibaraki Prefecture             Inside the Hitachi Research Laboratory, Hitachi Ltd.

Claims (7)

[Claims] 1. A method of providing an intermediary service between a credit applicant, such as a financial institution, which holds credit information of a product and a person who wants to provide the product or service, which trades each other's goods / services, with which the transaction is carried out. In addition, the server uses the purchase terminal of the purchase applicant and the provision terminal of the offer applicant to provide the attribute condition information of the desired product to be traded, the transaction condition information such as the desired price and the trade refusal partner, and the financial condition desired by the trade partner. Accepting condition information including credit condition information such as conditions and demand level information including information on the essentiality or priority or weighting of the priority for each condition constituting this condition information, and receiving these information. Purchase request for product attributes and essential condition information based on the information acquisition procedure registered in the database and the acquired condition information and request level information There is a possibility that a transaction will be established between the two by matching the priority in the aspiration level information regarding the purchase applicant and the offer applicant, or the degree of coincidence of the weighting of this priority, while performing the matching process between The analysis processing procedure for performing the feasibility determination processing that determines the matching degree, and the purchase applicant or the offer request in which the required commodity information is the same and the essential condition information that is found by the matching processing is the same. For a person, a supplier candidate list is generated by associating and listing up the results of the feasibility determination process, and a purchase terminal of a purchase candidate or a provision terminal of a supply candidate included in this supplier candidate list. A method for providing a transaction intermediary service, comprising: 2. A credit condition desired by a purchaser or an offerer to a trading partner when performing a matching process or a feasibility determination process for credit condition information and a corresponding purchaser or offer held by the credit institution. The transaction intermediary service providing method according to claim 1, wherein the transaction information is compared with credit information about the applicant. 3. A financial product that matches the financial demand generated in the transaction is extracted from a database according to the financial content and transaction form of the purchase applicant or the offer applicant, and the financial product matching the purchase demand or the purchase terminal of the corresponding purchase applicant or The transaction intermediary service providing method according to claim 1, wherein the providing terminal of the offer applicant is notified. 4. When accepting the condition information from a purchasing terminal or a providing terminal, a condition specification extending over a predetermined range is accepted, and in a subsequent matching process, the overlapping condition of the predetermined range is collated to perform the matching process. The method for providing a transaction intermediary service according to claim 1, wherein the transaction intermediary service is provided. 5. A system for providing an intermediary service between a credit applicant such as a financial institution, which holds credit information of a product or the like, who wishes to purchase the product or service that trades the product / service with each other, and who has the credit information of the both. From the purchaser terminal provided to the purchase applicant and the purchaser terminal provided to the offer applicant, the transaction condition information such as attribute condition information of a desired product for sale and a desired price, and the credit condition such as financial condition desired by the transaction partner. Information for accepting condition information including information and request level information including information on the essentiality or priority or weighting of the priority for each condition constituting this condition information, and registering these information in a database Based on the acquisition device and the acquired condition information and request level information, the purchase applicant and the offer applicant regarding the product attributes and the essential condition information In addition to performing matching processing, the degree of agreement in the priority level or weighting of the priority level in the desire level information regarding the purchase applicant and the offer applicant is checked to determine the possibility of establishing a transaction between them. With respect to a purchase applicant or an offer applicant who has the same product desired to be traded, which is found by the matching processing, and the essential condition information is the same, and the analysis processing device that performs the establishment possibility determination processing Generate a supplier candidate list by associating and listing the results of the sex determination processing, and send a candidate list to be sent to the purchase terminal of the purchase candidate or the provision terminal of the offer candidate included in this supplier candidate list. A transaction intermediary service providing system including a device. 6. A program for providing an intermediary service between a person who wishes to purchase a product or the like who trades a product / service with each other and a person who wishes to provide the same, and a credit institution, such as a financial institution, which holds credit information of the both, deals with the transaction. Of the purchase terminal provided by the purchase applicant and the provision terminal provided by the offer applicant, the transaction condition information such as the attribute condition information of the desired product to be traded, the desired price and the trade refusal partner, and the financial condition desired by the trade partner, etc. Accepts condition information including credit condition information, and requirement level information including information on the essentiality or priority or weighting of this priority for each condition constituting this condition information, and registers these information in a database Based on the information acquisition procedure to be performed and the acquired condition information and request level information, the In addition to performing matching processing with the applicant, it is possible to establish a transaction between the two by matching the priority in the aspiration level information regarding the purchase applicant and the offer applicant or the matching degree of weighting of this priority. An analysis processing procedure for carrying out the possibility determination processing based on the degree of coincidence, and a purchase applicant or an applicant who finds that the product desired to be traded and the essential condition information found by the matching processing are the same. With respect to the above, the supplier candidate list is generated by associating and listing up the results of the feasibility determination process, and the purchase terminal of the purchase applicant or the provision terminal of the offer candidate included in this supplier candidate list is provided. A transaction intermediary service providing program, including a candidate list transmission procedure for transmission. 7. A computer-readable recording medium in which the transaction intermediary service providing program according to claim 6 is recorded.